Updated
Pay-per-hike Insurance
5 Hiking Trips
HK$ 75
($ 15 / trip)
Valid for 6 months ．6 hrs protection / trip
On your journey to the top, have you ever worried about:
Hiking in the heat
A heatstroke can lead to organ failure or even death.
Wildlife and animal attacks
Unexpected wildlife encounters on the trail could be fatal
Twisted ankle during your solo hiking trip
Tripping and shattering your phone, leaving you stranded in the wild — a hiker’s worst nightmare.
Add hiking protection to your packing list!
Accidents Happen ...
is here along the way:
1a. Accidental Medical Expenses
Cover up to HK$ 5,000 medical expenses
For Chinese bone-setting or acupuncture therapy, the expense will be subject to
HK$ 500 deductible per accident.
HK$ 500 deductible per accident.
1b. Extension of Accidental Medical Expenses: Cover for Damage of Personal Items
Cover up to HK$ 2,000
For the damage of the personal items caused by accidents, you’re covered for up to HK$ 1,000 per item, up to HK$ 2,000 with HK$ 200 deductible per accident.
(This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.)
2. Accidental Death & Permanent Disablement
Cover up to HK$ 300,000
In the unfortunate event of an accidental death or disablement from your hiking trip, you are covered for up to HK$ 300,000.
5 Hiking Trips
HK$ 75
($ 15 / trip)
Valid for 6 months ．6 hrs protection / trip
Eligibility: 8 - 65 years old with a valid HKID
Please refer to HYKE Policy Provisions for more exclusion details.
Covering all hiking trails across Hong Kong!
Discover hidden gems of Hong Kong’s wilderness with HYKE.
Get protected in 1 tap!
Hong Kong's first hiking MicroInsurance product
HYKE is issued by Assicurazioni Generali S.p.A.(Hong Kong Branch) (“the Company”), an authorised insurer in Hong Kong, and arranged by YAS Digital Limited. The Company reserves the right to accept or decline any application.
How does YAS make claims easier for you?
Submit claim on YAS APP
No more paper forms! Submit a claim online with required documents.
We’ll handle everything for you
Get instant help right away from YAS team. We’re just one text away!
We speed up the claim process
Get claim results in 3 working days!
Frequently Asked Questions
2. What does HYKE cover?
HYKE covers:
1. Accidental Medical Expenses
Cover up to HK$ 5,000
For Chinese bone-setting or acupuncture therapy, the expense will be subject to
HK$ 500 deductible per accident.
2. Extension of Accidental Medical Expenses: Cover for Damage of Personal Items
Cover up to HK$ 2,000
For the damage of the personal items caused by accidents, you’re covered for up to HK$ 1,000 per item, up to HK$ 2,000 with HK$ 200 deductible per accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.
3. Accidental Death & Permanent Disablement
Cover up to HK$ 300,000 if there's accidental death or accidental disablement during the hiking trip.
Your coverage amount depends on the types of accidents and the injuries or damages caused. For more details, please refer to HYKE Policy Provisions.
1. Accidental Medical Expenses
Cover up to HK$ 5,000
For Chinese bone-setting or acupuncture therapy, the expense will be subject to
HK$ 500 deductible per accident.
2. Extension of Accidental Medical Expenses: Cover for Damage of Personal Items
Cover up to HK$ 2,000
For the damage of the personal items caused by accidents, you’re covered for up to HK$ 1,000 per item, up to HK$ 2,000 with HK$ 200 deductible per accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.
3. Accidental Death & Permanent Disablement
Cover up to HK$ 300,000 if there's accidental death or accidental disablement during the hiking trip.
Your coverage amount depends on the types of accidents and the injuries or damages caused. For more details, please refer to HYKE Policy Provisions.
3. What are the major exclusions?
The following is only a summary of the major exclusions. Please refer to HYKE policy provisions for more details.
General Exclusions:
Pre-existing conditions, self-inflicted injury, acts of war, illegal acts, pregnancy, mental disorders, conditions caused by chronic alcoholism or drug addiction, congenital anomalies, accidents caused by typhoon number 8 or above or black rainstorm warning that is hoisted before the policyholder activates the protection, routes not accepted by the Company, sports in a professional capacity or for income, mountaineering, competition.
Special Exclusions
Hiking with specialized equipment, expeditions or equipped mountaineering.
Exclusions for Extension of Accidental Medical Expenses: Damage of Personal Belongings:
Money, food, pet/animals, business goods, furniture, artificial teeth, tickets, documents, contact lens, data, hired property, property that were damaged intentionally.
This FAQ serves as a general guideline only. For details of coverage and exclusions, please refer to HYKE Pro Policy Provisions.
General Exclusions:
Pre-existing conditions, self-inflicted injury, acts of war, illegal acts, pregnancy, mental disorders, conditions caused by chronic alcoholism or drug addiction, congenital anomalies, accidents caused by typhoon number 8 or above or black rainstorm warning that is hoisted before the policyholder activates the protection, routes not accepted by the Company, sports in a professional capacity or for income, mountaineering, competition.
Special Exclusions
Hiking with specialized equipment, expeditions or equipped mountaineering.
Exclusions for Extension of Accidental Medical Expenses: Damage of Personal Belongings:
Money, food, pet/animals, business goods, furniture, artificial teeth, tickets, documents, contact lens, data, hired property, property that were damaged intentionally.
This FAQ serves as a general guideline only. For details of coverage and exclusions, please refer to HYKE Pro Policy Provisions.
4. How do I start the claim process if I have an accident?
In the YAS MicroInsurance App:
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim.
4. Tap "Claim" and fill in the required informationFor
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim.
4. Tap "Claim" and fill in the required informationFor
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
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Insurance for your hiking journey
Discover hidden gems of Hong Kong’s wilderness with HYKE.
5 Hiking Trips
HK$ 75
($ 15 / trip)
Valid for 6 months ．6 hrs protection / trip
